to: require banks to offer basic transaction accounts and to limit other fees to cost recovery; provide that transactions at a bank’s own-branded ATMs are free of charge; cap charges for the use of a bank’s ATMs by customers of another authorised deposit-taking institution (ADI); require ADIs to offer fixed interest gap loans and mortgages; cap mortgage and loan exit fees at cost recovery; and require uniform identification of exit fees in advertising and in mortgage and loan contracts.

to: require banks to offer basic transaction accounts and to limit other fees to cost recovery; provide that transactions at a bank’s own-branded ATMs are free of charge; cap charges for the use of a bank’s ATMs by customers of another authorised deposit-taking institution (ADI); require ADIs to offer a fixed interest gap mortgage; cap mortgage exit fees at cost recovery; and require uniform identification of exit fees in advertising and mortgage contracts.

Establishes a national scheme to require the disclosure of information about the energy efficiency of large commercial office buildings at the point of sale, lease and sublease in the form of a building energy efficiency certificate.

in relation to: remuneration of registered trustees administering bankrupt estates; civil penalties; Bankruptcy Districts; creditor’s petitions; the stay period that follows the filing of a declaration of intent to file a debtor’s petition; and the debt, income and assets test thresholds for debt agreements.

The bill: requires the Department of Foreign Affairs and Trade to identify and contact a person’s next of kin when that person is in a foreign country and believed to be missing; provides for the department and its agencies to offer assistance in such circumstances; and requires the minister to report annually on the development and implementation of international agreements relating to Australian citizens believed to be missing overseas.

to enable the Treasurer to determine that the Financial Claims Scheme no longer apply to a bank which either withholds an interest rate cut or increases its variable standard rate in response to an official interest rate reduction.

to: abolish the Office of the Australian Building and Construction Commissioner and create the Office of the Fair Work Building Industry Inspectorate; remove existing building industry specific laws; enable the Inspectorate to compulsorily obtain information or documents relevant to an investigation from certain persons; provide for safeguards in relation to the Inspectorate's powers to obtain information and documents (including a five year sunset provision); and create the office of the Independent Assessor.

to: extend the deadline for commercial broadcasters to commence digital radio services in the mainland state capital cities to 1 July 2009; remove the requirement for digital radio services to commence in Hobart by the extended deadline; and retain the option for community radio stations to take up shares in joint venture companies that own digital radio transmission infrastructure.